disappointed at the service BETTERLIFE provided for me

Betterlife called me to take out a property insurance policy number ********** 86 for my FNB homeloan, seen that I am 1st time home owner I wasnt aware that I only needed to take out cover once my new home has been built seen that it was a new development. Once FNB homeloans completed my pay out for my bond with the developers FNB HOME LOANS requested that my property cover should be with OUTSURANCE because it will go off together with my homeloan repayments. I received a call from OUT to cover my property I then advance them that I already had cover with BETTERLIFE " the response was how so because there was no property to covered yet from the time I took out a cover with betterlife seen that the built for my property was only completed on the 1st of December 2018 and my happy letter was only signed on the 18th of December 2018 my key letter was only recieved on the 21 December 2018 meaning that the property at hand was safe to reside in on the 21 December" The agent at out state that I need to request a full refund of my premuims from October til December. I then communicated this with BETTERLIFE and requested a refund as per advice. HOWEVER BETTERLIFE REFUSE WITH NO VALID REASON GIVEN.

To highlight during the sales call I specifically told the agent it was a new development.